1. Avoid interest from the IRS

The IRS allows taxpayers and business owners to set up payment plans with a fixed interest rate of 3 percent per year, however you may find yourself paying up to 10 percent per year once you factor in the additional fees and penalties that you’re required to pay in order to set up the plan. If you’re unable to settle the full amount owed to the IRS but know you can pay it off within 15 or 18 months, then you may want to consider paying the balance with a credit card that offers a zero percent introductory APR.

The U.S. Bank Business Cash Rewards credit card allows you to not only get a zero percent APR for 15 months, but also earn cash back on business-related purchases, including 3 percent cash back on any cellular or gas purchases as well as 1 percent on all purchases.

With the Citi Simplicity Card, you get a zero percent APR for 18 months, which allows you to pay off the tax debt without paying any additional interest to the IRS. Even though the Citi Simplicity Card does not offer any rewards, it doesn’t charge any late fees, penalties or annual fees.

It should be noted that if you’ll need longer than 15 or 18 months to pay off the tax debt, then setting up a payment plan with the IRS is likely the best choice for you.

2. Earn rewards while you pay

If you plan on redeeming your credit card rewards points soon or want to open a credit card that’ll allow you to earn rewards with every purchase, then you may want to consider paying your personal or business taxes with a rewards credit card.

If you’re paying with a credit card solely to earn the rewards, you want to be sure that you’re getting the equivalent of more than the processing fee of 1.87 percent back in rewards from your card. There aren’t a lot of rewards cards that are so generous, but there are some.

The Capital One Spark Cash for Business Card offers 2 percent cash back on all purchases, which means you’ll be earning money from paying your business taxes. It also offers a $250 bonus after spending $5,000 within the first three months of card membership. It should be noted that the Capital One Spark Cash for Business Card does not have any introductory interest rate, so it’s advised to only use this card if you plan to pay off the complete balance immediately.

With the Barclay Arrival World Mastercard you earn two travel points for every dollar spent, or the equivalent of 2 percent cash back on every purchase. If you can’t pay the totality of your tax debt right now, the Barclay Arrival World Mastercard provides an introductory zero percent APR for 12 months. This card also gives you the equivalent of a $400 introductory bonus after you spend $3,000 in the first three months of card membership.

Paying the IRS with a credit card may not seem like the ideal situation, but there are certain circumstances when paying tax debt with a credit card will not only help you pay off the IRS but also allow you to save money or earn some rewards.

Julie Myhre-Nunes is director of content at NextAdvisor, where she oversees the strategy and production of every piece of content that the company creates, including blog posts, reviews, the newsletter, social media and others. She has been published in USA Today, Business Insider, Wired Insights, and American City Business Journals. She is an alumna of San Jose State University, where she earned a B.S. in Journalism.